Reply
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007
0

What does this mean?

If I have an account that I disputed and I get the results of the dispute and say I sent in the dispute in June, got it back in July and the bureaus say that it is verified as of June 2006 but I disputed this in June 2007, did the CRA do their job or do I have grounds for deletion?
 
What are my rights?
 
Eve
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: What does this mean?

i need an answer on this also.
Contributor
wolf69
Posts: 75
Registered: ‎07-13-2007
0

Re: What does this mean?

ya I would like to know the samething. Could they flag your account if you keep trying to dispute it. How many times  can you dispute it.
Regular Contributor
kims
Posts: 212
Registered: ‎06-30-2007
0

Re: What does this mean?

I'd like to find out the answer to this one too!
911 Operators....America's Lifeline!
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: What does this mean?



myhearts07 wrote:
If I have an account that I disputed and I get the results of the dispute and say I sent in the dispute in June, got it back in July and the bureaus say that it is verified as of June 2006 but I disputed this in June 2007, did the CRA do their job or do I have grounds for deletion?
 
What are my rights?
 
Eve


What did you dispute? And did you dispute it as inaccurate or not mine? Also which CRA?
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: What does this mean?

i filed as not mine
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007
0

Re: What does this mean?

I disputed a judgment that was on my file that was put there by the creditor after being served the automatic stay papers.  I sent a letter to the OC letting them know that they were violating the automatic stay and when I checked my CR the judgment went from Paid/Satisfied to Dismissed.  I never ever received any papers that I was being sued, never went to court.  Got a call from the OC attorney and he said that there was nothing he could do, then it shows up on EX and EQ as dismissed and now deleted but not on TU.  They show verified as of 06/06.
Established Contributor
beach123
Posts: 570
Registered: ‎05-02-2007
0

Re: What does this mean?

I'd like to know how to get something off too, I disputed something as not mine, there is no address of the OC listed on CR, yet it came back from TU the other day as "verified" - would love to KNOW HOW they verified something I've never had!
Regular Contributor
dazednconfused
Posts: 244
Registered: ‎04-16-2007
0

Re: What does this mean?

Send an MOV [method of verification] letter to the CRA asking them names and telephone numbers of persons to whom they spoke for verification. 
Regular Contributor
ctrob
Posts: 186
Registered: ‎06-06-2007
0

Re: What does this mean?



dazednconfused wrote:
Send an MOV [method of verification] letter to the CRA asking them names and telephone numbers of persons to whom they spoke for verification. 



Would you do a CMRRR (not sure if I got that combo correct) for a MOV?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}